Okay, thank you. I'm still not clear as to whether this is a....
I agree with your approach, but you know, you practice law for 22 years...and trying to read mortgage documents can drive you crazy. If you can do anything in that area to simplify it and make it understandable to everybody, I think everyone is ahead of the game. I recognize the approach, but I'm still grasping whether in fact it's half full or half empty here.
At any rate, let me shift questions here to Ms. Dickson.
One of the issues is that the audit work for the insurance companies is going to be a little downloaded here. The audit work is done by an actuary who is not necessarily the actuary of the company. I'm not sure what I think of that. I'd be interested in your comments as to whether you think this is appropriate.